1st Northern California Credit Union Martinez CA | Affordable Vehicle Loans & Business Banking

Introduction

At 1st Northern California, we believe in the power of community and connection. Located at 538 Center Ave, Martinez, CA 94553, our branch has been a trusted partner for financial success since 1949. With a strong commitment to our members, we proudly serve over 32,319 individuals and families in the region. Our total assets of $823,837,786 reflect our stability and dedication to providing exceptional services tailored to your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans, mortgage financing, or credit cards that offer rewards, our team is here to help. We understand that every member's financial journey is unique, which is why we offer a variety of services designed to meet diverse needs. As of now, we have issued 10,969 loans and leases while maintaining total deposits of $45,092,533. While members can visit us at our physical location for friendly service and support, official correspondence should be directed to our mailing address: 538 Center Ave, Martinez, CA 94553. Led by our dedicated CEO, David Green, and Board President Stephen Ybarra, our experienced team of 91 employees is passionate about helping you achieve your financial goals. We're proud of our solid net worth of $89,703,902 and cash reserves amounting to $3,078,271, allowing us to offer competitive rates and reliable services. If you have questions or would like to learn more about how we can assist you on your financial journey, don't hesitate to reach out! Call us at 925-228-7550 during lobby hours from Monday through Friday. We invite you to explore all that 1st Northern California has to offer by visiting our website at 1stnorcalcu.org. Join us today as we work together toward a brighter financial future!

Branch History & Mission

At 1st Northern California, we take pride in our rich history and unwavering mission to serve our community. Established in 1949, our branch has grown alongside the residents of Martinez, CA, becoming a trusted partner in their financial journeys. Located at 538 Center Ave, Martinez, CA 94553, we are easily accessible to all who seek our services. From humble beginnings, we have evolved into a robust credit union with over 32,319 members and total assets amounting to an impressive $823,837,786. Our commitment to providing personalized banking solutions has fostered strong relationships with our members. Our journey has been marked by key milestones, including the introduction of innovative digital banking solutions that ensure convenience while maintaining ADA compliance. Our mission is simple yet impactful: to provide exceptional financial services while empowering our community. We believe that banking should be more than just transactions; it should be about building trust and supporting local initiatives. Through partnerships and outreach programs, we strive to make a positive difference in the lives of those we serve. While members can visit us at 538 Center Ave, official correspondence should be sent to the same address for your convenience. Our friendly staff is here to assist you during our operating hours: Monday to Wednesday from 9:00 am to 4:00 pm, Thursday from 9:00 am to 6:00 pm, and Friday from 9:00 am to 5:00 pm. Additionally, we offer ATM services for easy access to your funds. At 1st Northern California, we are not just about numbers; we are about people. We encourage you to join our growing family and experience the benefits of being part of a community-focused credit union. Together, let's build a brighter financial future! For more information or inquiries, feel free to reach out at 925-228-7550 or visit us online at 1st Northern California.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

Situated near local landmarks, our branch is just a short drive from the Martinez Marina, a great spot for a leisurely stroll after your visit. You'll find plenty of parking available right outside our doors, ensuring that you can come and go with ease. For those needing assistance, our branch is ADA compliant, featuring ramps and accessible entrances for everyone's convenience.

Operating Hours

We understand that life can get busy, so we've designed our hours to fit your schedule. Visit us Monday through Wednesday from 9:00 AM to 4:00 PM, Thursday from 9:00 AM to 6:00 PM, and Friday from 9:00 AM to 5:00 PM. Whether you're looking to open a new account or inquire about loans, our dedicated team is here during these hours to help you.

Services Offered

At the 1st Northern California branch, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Plus, enjoy the convenience of online and mobile banking along with ATM access right at your fingertips. While we don't have drive-thru service available at this location, we do provide basic ATM access for withdrawals and balance checks. If you're looking for a welcoming environment where you can receive personalized service tailored to your financial needs, stop by or give us a call at 925-228-7550. We're excited to assist you on your banking journey!

Member Eligibility

At 1st Northern California, we believe that joining our community is about more than just banking it's about becoming part of a supportive family that truly cares for its members. If you're looking to become a member, you'll be pleased to know that eligibility is simple and welcoming. Individuals who live, work, worship, or attend school in the Contra Costa County area can easily join us. We also extend membership to immediate family members of existing members, making it even easier for loved ones to benefit from our services together. For a detailed look at the eligibility criteria, check out this page. Opening an account with us is a breeze! You can visit us at our branch located at 538 Center Ave Martinez Ca 94553 or reach out to us at (925) 228-7550 for assistance. Our friendly team is here to guide you through every step of the process, ensuring you feel right at home from day one. Being a member of 1st Northern California means accessing personalized financial solutions designed just for you, so don't hesitate come see how we can help you thrive!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

In addition to loans, we provide merchant services that make managing transactions simple. For example, when a local café uses our payment processing solution, they can accept credit cards seamlessly, enabling them to serve customers faster and more efficiently. This not only improves customer satisfaction but also helps boost sales. Visit us at 538 Center Ave Martinez Ca 94553 in Martinez, CA to discover how our business banking services can help turn your vision into reality! For more information, call us at (925) 228-7550 or check out our website at https://www.1stnorcalcu.org/.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we have tailored solutions under our business banking services umbrella. This includes essential merchant services and business loans, ensuring your business has the financial backing it needs to thrive.

Connect With Us

We invite you to explore all these services by visiting us at Muir Station, where our friendly team is ready to assist you from Monday through Friday during our operating hours from 9:00 am to 6:00 pm on Thursdays and until 5:00 pm on other weekdays. If you have any questions or need assistance, feel free to call us at (925) 228-7550. Join us at 1st Northern California today and discover how we can help meet your financial needs!

Credit Options

Don't forget about our credit cards with rewards, which offer cashback and other benefits for everyday spending. It's an easy way to earn while you shop!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With options like ATM cash withdrawal services and basic ATM access for balance checks, getting cash when you need it is simple. Our mobile app also supports features such as person-to-person payments, making it easy to send money to friends or family without hassle.

Personal Banking Solutions

Starting with personal banking, we offer various options like checking and savings accounts that help you manage your day-to-day finances effectively. Imagine having a checking account that allows you easy access to your funds, alongside a savings account designed to grow your money over time. When it comes to financing, auto loans and vehicle financing are available to help you get behind the wheel of your dream car. We understand that purchasing a vehicle can be a big decision, so we work with you to find the best terms that fit your budget. For those looking for homeownership opportunities, our mortgage loans and refinancing services make the process straightforward and accessible. We guide you through each step, ensuring you understand all aspects of the mortgage process. Additionally, if you're dealing with unexpected expenses or planning significant purchases, our personal loans and debt consolidation services can provide the relief you need.

Digital & Online Banking

Convenient Online Services

You can explore all our online banking options by visiting https://www.1stnorcalcu.org/. Whether you're checking your balance, making payments, or transferring money, our platform is user-friendly and secure. Enjoy 24/7 access to your accounts, giving you the freedom to bank when it suits you best.

Key Features for Your Financial Needs

Our online banking services include electronic signature authorization, so you can complete transactions without the hassle of paperwork. Plus, with e-statements available, you can easily view and manage your account statements digitally saving trees and keeping everything organized in one place. Need to send money quickly? Our person-to-person transfer feature allows you to send funds to friends or family with just a few taps. And if you're always on the go, our mobile application lets you handle your banking tasks right from your smartphone. You can also take advantage of mobile payment options for added flexibility when shopping.

Secure and Accessible Banking

Security is our top priority at 1st Northern California. All our digital services are protected with advanced security measures to keep your information safe. You can bank with confidence knowing that your personal data is secure while enjoying real-time account management wherever you are. In summary, our digital and online banking services at 1st Northern California offer a modern approach to managing your finances making it easy, safe, and convenient for all members. Experience the difference today!

Financial Strength

Commitment to Growth

With $88,716,033 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,472 in used auto loans and $344,300,531 in total loans and leases.

Member-Centric Savings Options

Members' savings are secured through $81,969,334 in share certificates and $165,594,437 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With Net Shares (Funds available for lending and investments): $568,468, we maintain a robust reserve for our operations.

Solid Financial Health

With a net worth of $89,703,902, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,089 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trusted Partnership

Total Share and Deposit Accounts: 60,407, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Northern California is your trusted partner. Visit us at 538 Center Ave Martinez Ca 94553 or call (925) 228-7550 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $66,938,518 in used vehicle loans and $72,807,264 in new vehicle loans already helping members get on the road. We have flexible terms and refinancing options available to ensure that you find the perfect fit for your budget.

Business Loans

For business owners seeking capital for growth and expansion, our outstanding commercial loans provide essential support. Although we currently have no commercial loans issued, we're always ready to assist with your business financing needs when they arise. With our comprehensive suite of loan products ranging from auto and mortgage loans to unsecured credit cards 1st Northern California is committed to serving our community's financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in learning more about eligibility requirements or wish to explore your options further, please visit our website at 1st Northern California or contact us directly. Your journey toward achieving your financial goals starts here!

Credit Card Options

We also offer flexible terms on unsecured credit card loans, with a total of $4,993,227 in loans assisting members in managing their finances effectively. This option is ideal for those looking for easy access to funds while benefiting from competitive rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $7,456,414, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your current mortgage, we're here to help you navigate the process smoothly.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This transparency is essential for anyone looking to make informed borrowing decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment guarantees that users receive fair and transparent offers tailored to their financial needs. One of the key benefits of using LendMesh is its Verified Data feature. All loan offers come from legitimate financial institutions, ensuring that users can trust the information they receive. Furthermore, LendMesh maintains integrity in its comparisons by offering No Sponsored Listings; lenders are not prioritized based on paid promotions. Instead, the focus remains solely on providing unbiased results. Another advantage is the Real-Time Rate Comparisons available on LendMesh. Users can view up-to-date loan rates from multiple institutions, empowering them to make informed decisions about their borrowing options. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the reliability and effectiveness of LendMesh as a trusted resource for finding competitive loan offers. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.